Research On The Comprehensive Competitiveness Of Commercial Banks Under The Background Of Internet

With the continuous development of Internet technology and information technology,the influence of Internet finance is increasing.As the core of domestic financial system and the lifeline of national economy,commercial banks are greatly impacted by Internet finance.In this context,commercial banks must improve their overall competitiveness to seek their own stable development and advantages.On the basis of the definition and classification of Internet finance and the theory of financial intermediation,this paper analyzes the influence of Internet finance on the technology and mode of commercial banks.It is concluded that the technical impact mainly includes the impact of big data based on cloud computing and UI based on cloud computing.The model impact is mainly based on the analysis results of two aspects: the influence of organization platform on commercial banks.And select the representative commercial bank A as the case analysis,through the commercial bank A development course,the commercial bank A core competitiveness analysis,under the Internet financial background commercial bank A encounters the asset business,the debt business,the middle business income.Major challenges in business and information resources.Then,based on the theory of core competence of management,this paper uses Delphi method to construct a comprehensive competitiveness evaluation model of commercial banks.This paper compares the different evaluation index data between A commercial bank and other financial institutions,analyzes the comprehensive competitiveness of commercial banks,and puts forward the countermeasures for commercial banks to improve their comprehensive ability.Mainly include actively develop the core competitive advantage,make up for the competitive disadvantage and so on.The results of empirical analysis show that commercial bank A ranks first in the number of branches,indicating that its organizational structure is more reasonable than that of other banks in the industry,its business coverage is more complete,and there are more branches both at home and abroad.Have certain competitiveness;Several capital adequacy indexes inthe supporting level can see the competitive advantage of commercial bank A in the aspect of capital management.At the performance level,commercial bank A is also ranked first,which shows that commercial bank benefits from sound management and large business model,and its business coverage is relatively wide.